Fun Times With The CUE Database - Carole Nash

[Zen Dog]

So, I get a letter off Carole Nash.

It says that I have to give them an extra £60 (and a load of other stuff, including a letter of explanation), because I didnt tell them about a "Fault Accident, 02/07/2012, *CAR REGNO*"

What actually happened on this day was that my car was broken into, the contents were stolen, but nothing else. I rang my car insurance to see if i had contents cover (which I didn't). I sorted the car out myself so no claim. To me, this is neither my fault, nor an accident, and most certainly not a claim.

So I rang Carole Nash, who told me that the underwriter found out about my "claim" (or "incident") on the CUE (Claims Underwriting Exchange) Database, and are the ones demanding the extra £60, although they are unable to explain why this "claim" should give me a higher premium on my bike insurance. However, they can cancel all this nonsense if I ring my car insurer (Admiral) and get them to take it off the database. Right, "I didn't claim, its cost them nothing, and it was clearly neither my fault, nor an accident" thinks I, I'm sure they'll be reasonable...

So I ring Admiral, who tell me that the database clearly states that there was no claim, and that it cost them nothing, and that it was just an "incident", but they are unable to remove it because, and I quote, "it really happened". However, they are happy to send me a letter, and an email, to the effect that it wasn't a claim, cost nothing and so on. But they also said that this was clear on the database from the start.

With a sinking feeling, I ring back Carole Nash. Who tell me there's nothing they can do, its all the evil underwriter's fault, its they who are making these demands because of my "undisclosed claim". The CS bloke suggested that it would unreasonable for Carole Nash to pay this extra money the underwriter was demanding. Which I thoroughly disagreed with, on the basis that my relationship is with Carole Nash, that being charged extra money on my bike insurance for this "incident" was completely insane, and that frankly, rather than pay it, what they should do is tell the underwriters to stop being patently unreasonable.

Apparently it doesn't work like that though. But I shouldn't think badly of Carole Nash. It wasn't their fault. Despite them being my broker and doing nothing to help me in any way. So I cancelled my insurance. And I'll take out my insurance and "disclose my incident" to someone else.

My real concern is this database though. I can understand claims being put on it, but literally anything you report to them? There are loads of ways you could get screwed over by this. The kind of things which would be entered as a "claim" or "incident" (I found out after a lot of questions) might not be things you even knew about.

If you're a named driver on a policy that has a claim, even if you weren't involved in the incident in any way, can get you an entry, and a bump in premium for failing to report it. How screwed up is that?

WTF.

Zen Dog

Moral of the story - Never tell your insurance company ANYTHING you don't have to. Except all the stuff you have to tell them obviously. And making sure to include all that stuff you might not actually know about. Anything that might be mentioned on the CUE database really. Even though only the insurance companies can access it. So thats clear.

TL:DR - Carole Nash are crap. Insurance companies are scumbags. The CUE database is scary, and combined with the insurance companies will happily screw you over.
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Current - '94 VFR750FR (Dead), '00 VFR800FI, 2011 CBF125 Previous - '10 Street Triple R, '92 MZ ETZ301, '05 TTR250, NSR125R, KMX125, "Honda" Win (chinese copy of an old Honda design with a C90 engine)
My bike trip around S.E. Asia 2010/2011

[UnknownStuntm...]

I would approve of a HetzeRant about this.

[Marmalade]

back several years, a girlfriend of mine hit a pothole that bent her suspension wishbone.
She phoned her insurance company for advice, ( I was 'away' at the time) they said to contact the council.
She contacted and claimed full repair costs from the council. job done.

Next year her premium increased due to her incident.

Total cnuts.

Do not ask them for advice, info, tell them about losing a wheel trim or anything you really don't need to tell them.
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Nobby the Bastard: How yo tell the difference between the actual japanese and her just screaming because she's had live fish stuck up her arse? [url=https://www.nicks-shop.co.uk/bcf-goodies-15-c.aspGet BCF stickers and things here[/url] Reflective helmet stickers - Legal requirement in france - Clicky

[oldpink]

just another way to screw some more Dosh out of you
apparently if I move 4 streets from where I live just now my insurance (if I had a bike) would be 12% less than they are because I would change postcode to posh area

daughter just got her first car in Sept
slid on some ice in the carpark and damaged the back axle so I had a friend from BCF replace it for a good price
was less than her excess so never informed them, better sometimes just to bite the bullet and take a loss
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I have become comfortably numb

Theory & hazard 24-may 2016, CBT 8th June 2016, MOD 1 2nd Aug 2016 Mod 2 2nd-Nov 2016 - Current bike CBR 600 RR

[scobie140]

I got bumped the same way two years ago, van hit my car parked in parking bay while i was in shop getting newspaper before work, came out to see bumber cracked and type r badge broken and took off after the van, didnt catch the guy but got details, company, reg etc. phone insuance and asked if i tryed to claim through the van insurance would it affect my premium now or in the future to which they said no, fair nuff i thought phoned the police to report it and then phoned the van companies insurance, police came took a statement and basicly said get a new badge from halfords and its an old car so why bother with the bumper and never bothred to go see the van driver to follow it up. van driver denied it obviously so his insurance didn't pay out. gave up on it all then on renewal i queried the no faul-no cost-non blame claim on my insurance which had put it up £200 and got told nothing they could do about it as i told them it happned.
Pissed me right off as i was in two minds to do anything about it at the time plus the police wern't intrested in the fact he left the scene on an accident without reporting it!! if he had waited and said sorry mate i wouldn't be so bothred

Long story short i should have just said fuck all and smashed the w*nks van up that night when i found it parked in a street nearby the shop, i would be financiall better off as it skins me every year till i don't have to declare it and i would have felt better.

[keggyhander]

Beyond surreal.

[gavin]

Claim or incident or accident are all erronious terms. The word that matters here is"loss". You have suffered a loss and under the terms of any insurance are duty bound to report that loss to your insurers, and to declare it to any future insurers, regardless of whether it results in a payout or not.


Like it or not, this is the way insurance works, and has always worked.
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1988 TZR125 : 1990 RD350YPVS/ RGV250 HYBRID : 1982 RD80LC : 1983 RD80LC : 1994 RGV250 : 1991 TZR125 / CR500R HYBRID : 1976 BENELLI 500 QUATTRO : 2006 TRIUMPH 675

[bazza]

[Nick 50]

Personally I would go after CUE and see what is on their database. Submit a Subject Access Request and see what comes back.

If it comes back with that on, go after them to get it removed. Rigt on CUE's homepage it states:

[TomGT]

If I have a minor accident, and they start claiming bollocks like whiplash, unless they've got evidence such as pics or cctv, I wasn't there. Not going to report it to insurance company, and if a claim comes through "why would I be there" "that never happened" etc etc

In the event of a serious accident I'm thinking I wake up in hospital, walk out asap, get home and ring the police reporting my bike stolen, when/if insurance/police ring asking about an accident I tell them my bike was stolen, when they say I've just left hospital I respond with "no the guy who stole my bike just left hospital, I suggest you find him". Although this would involve having no i.d. etc
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1992 ZXR 400

[Pete.]

[Zen Dog]

[Hetzer]

The thing with anger is it motivates one to take action. Effective action. The result, for me, has always been either a financial result (90%) or the sweet taste of revenge (10%).

The alternative is taking it up the gary and I simply cannot live like that and retain my sanity.

Action = short-term stress and satisfaction. Inaction = long-term stress and lingering pain.
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"There's the horizon! Ride hard, ride fast and cut down all who stand in your way!"

[h00dwink]

[Rogerborg]

[herulach]

[gavin]

Keep believing that if you wish, however the experience of the op begs to differ.
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1988 TZR125 : 1990 RD350YPVS/ RGV250 HYBRID : 1982 RD80LC : 1983 RD80LC : 1994 RGV250 : 1991 TZR125 / CR500R HYBRID : 1976 BENELLI 500 QUATTRO : 2006 TRIUMPH 675

[herulach]

[LordShaftesbu...]

[gavin]

[Rogerborg]

[Ichy]

I do wonder how much of the blame is on the broker, in other words, how much of the additional cash do they get?

My wifes car was hit in a car park while she was at work. The person who did it was good enough to admit 100% fault and his insurance paid everything owed and fixed her car.

Direct line (her brokers) sent a letter and asked for an additional £200 because of the accident. I phone and in far more words than I can type said "you is having a laugh, she was at least 500 yards away from her car when he hit her". Their reply was "sorry, we will sort it out please ignore the letter". Her next premium quote was lower and we never heard another word.
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https://www.metacafe.com/watch/1972097/how_to_behave_on_a_forum/

[TotalGSXR]

I will be applying for my information under the DPA from the CUE to find out exactly what details I will need to pass onto any insurer and what details I can happily 'forget' about. It's only fair we have a level playing field in regards to information used, eh?

[gavin]

[ThoughtContro...]